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First Time Home Buyer Loans Made Easy


When it comes to first time home buyer loans, a little research can save you thousands of dollars over the life of your mortgage.

A wise consumer selects a mortgage lender prior to shopping for a home. You see, first time home buyer loans can end up costing you a lot more than you bargained for if you shop for your home first.

What often happens is you fall in love with a beautiful home that is on the outside range of what you can afford. And because you have invested interest in this particular piece of real estate you're more inclined to go into a loan situation you can ill afford.

To make sure you can realistically afford your mortgage payments, it's best to understand all the potential costs upfront before you fall in love with that dream home that is really outside your financial comfort zone.

It will take some research and comparison shopping in order to find both the best lender and the best in first time home buyer loans.

The loan package best suited to your needs will offer you terms you can handle now and in future. It's important when looking for first time home buyer loans you take into account your future plans. For instance, are you planning on starting a family? If so, it's important to consider the potential reduction in your family finances if you or you spouse decides to take some time off to raise the child(ren).

Further, if you have poor credit, you'll be required to pay a higher rate of interest than those who have a good credit rating.

When it comes to first time home buyer loans, the amount of your down payment will also be taken into account when your interest rate is calculated. Think of it this way, the larger the down payment, the better the interest rate. So, before locking yourself into one of the first time home buyer loans currently on the marketplace, you'll want to consider the advantages of contributing a decent down payment. This will keep both your interest rate and your payments much more reasonable.

Among the options for first time home buyer loans are variable rate and fixed rate mortgages. The first fluctuates over the course of your mortgage and the later keeps payments the same.

Another factor to consider is your debt to income ratio. In other words, the amount of money you bring in opposed to the amount that goes out. When determining your debt to income ratio you must take things like car payments, student loans and credit card balances into account.

There are programs available to assist first time home buyers in obtaining a loan. Talk to your lender and do some research of your own to discover the best option for you.

Remember, when shopping for first time home buyer loans no question is stupid. It's very important that you understand the ins and outs of any mortgage loan prior to signing on the dotted line.

Paul Jesse is a retired government employee and author of numerous financial and home business articles. For more informative articles visit his site. http://www.sheamarketing.com/Firsttime-Home-Buyer-Loans


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Sun. September / 15 / 2019

Is It Time to Refinance Your Mortgage? Here's How to Know  Yahoo Finance

Have you been paying attention to mortgage rates? They're the lowest in years, and they've fallen so far in a relatively short time that it might make sense to ...


80% Of 2018 Mortgages Could Save Big With A Refinance, Data Suggests  Forbes

If your mortgage was originated in 2018, then it might be time to consider a refinance. According to new data, 80% of mortgages from last year carry an interest ...


How to get the best mortgage refinance rate  Bankrate.com

Homeowners should consider refinancing their mortgage if they can shave one-half to three-quarters of a percentage point from their interest rate.


Millennials are needlessly missing out on refinancing their home mortgages  MarketWatch

The baby boomers are living up to their name. Many boomers are opting to refinance their mortgages, lowering their monthly payments, and ultimately saving ...


With mortgage rates down, the rush is on to refinance  Buffalo News

Low interest rates are driving mortgage refinancing to its highest level in about three years. So if you haven't yet refinanced, should you join the rush?


Refinancing For A Lower Mortgage Rate? It Might Be Harder Than You Think  Forbes

Mortgage refinances are surging thanks to low mortgage rates, which hit nearly three-year lows just last week.


As mortgage rates hit the 3s, a record 11.7 million homeowners have become refinance-eligible | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates have dropped to new lows, putting a record number of homeowners "in the money" to refinance and cut their rates by at least 0.75%, says a new ...


How soon can I refinance? I just closed on my mortgage | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You've recently closed on your mortgage. But you see that mortgage interest rates have dropped. You're wondering: How soon can I refinance? Is it worth the ...


How a Mortgage Refinancing Wave Will Impact the Economy  Barron's

U.S. homeowners are among the unexpected beneficiaries of fears of slowing global growth that are contributing to a plunge in mortgage interest rates. A wave ...


Mini refinance boom goes bust, as mortgage rates turn higher  CNBC

It didn't take much to end the party in the refinance market. A small tick higher in mortgage rates caused the sudden surge in refinances to retreat just as quickly.


Refinance your mortgage now or wait in a very, very long line  The Mortgage Reports

Refinance wait times are about to get very long. Lenders weren't prepared. Here's how to refinance without waiting 60 days or more.


3 Reasons Why Now Is The Best Time To Refinance Your Mortgage  Forbes

Right now is as good a time as you may find to refinance your mortgage, whether for your home or a commercial property. In a piece titled “5 Reasons 2019 Is ...


Mortgage rates today, September 13, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose quite sharply yet again yesterday, confounding our prediction. In our defense, we did warn of unpredictability that day as markets ...


Stumped about refinancing? This refinance calculator makes it a no-brainer  The Mortgage Reports

Is now the time to refinance? One way to anser this question is to use a refinance calculator to see how much you can save.


Trump: 'Get our interest rates down to zero or less.' What that means for mortgage rates - Mortgage Rates & News  The Mortgage Reports

Mortgage rates could be headed lower after mounting pressure on the Federal Reserve to make a historic rate cut. If President Trump gets his way, the Fed ...


Nearly 10 million homeowners could save $267 per month by refinancing  The Mortgage Reports

Refinance rates are so low that nearly 10 million people, conservatively, can save hundreds per month. Are you among those who could save?


Mortgage rates increase slightly, pumping the brakes on the refinance boom  MarketWatch

The real-estate market is especially rate-sensitive these days.


Is now the time to refinance?  Las Cruces Sun-News

Since there is no “one size fits all” reason why one may desire to refinance, the first order of business is to identify the purpose of the refi.


Falling rates touch off a boom in mortgage refinancing  STLtoday.com

The global economy's pain has become the Jones family's gain. Worries about trade tensions and slower growth have caused long-term bond yields to plummet ...


30-year mortgage rate falls to its lowest level in nearly three years  Washington Post

Economic uncertainty drove mortgage rates down, according to Freddie Mac data released Thursday, with the popular 30-year reaching its lowest level in nearly ...


Kiplinger's Personal Finance: Now is a good time to refinance your mortgage  Richmond.com

Mortgage rates have dropped to levels not seen since 2016, and homeowners are rushing to refinance.


How a 20-year home mortgage can save you a ton of money  Washington Post

TOWN SQUARE | Because of a shorter loan term and a lower interest rate, on a $280000 loan amount, a borrower can save approximately $85000 in interest ...


Take Heed: How to Refinance a Home Loan  Latin Post

Whenever interest rates plummet, homeowners jump to refinance mortgages right away, often without considering first whether doing a refinance makes ...


Mortgage rates today, August 30, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell again yesterday, confounding our prediction. The drop was similarly small to Wednesday's. However, it was enough to set a new low ...


Mortgage rates today, August 23, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates held steady yesterday, in line with our prediction. So they remain at their highest in more than a week. But they're still attractive, even by ...


Mortgage rates today, August 19, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates inched down on Friday, defying our prediction. Mortgage News Daily explained it best, talking about the “weirdness” that has ...


Mortgage rates today, August 29, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates fell again yesterday, in line with our prediction. It wasn't a big drop. But it was enough to take the average back to a point adjacent to the ...


Apple cashes in on boom in debt refinancing. For Americans, especially homeowners, there's a message  CNBC

Blue-chip companies including Apple and Disney issued bonds this week in a $75 billion debt market stampede after big yield declines in August made debt ...


Sep 17 | Free Seminar: Mortgage Refinance Tips | Tinley Park, IL  Patch.com

Your home is your biggest investment. The right mortgage can help you build equity and pay for things that you need for your family. Life changes quickly, and ...


Mortgage rates today, August 26, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates moved lower on Friday, as we predicted. But the drop was only small, certainly compared with the turmoil seen in other markets.


Baton Rouge home mortgage lenders see refinancing surge  The Advocate

Lower interest rates that have the power to reduce house payments are triggering a surge in mortgage refinancing activity and giving real estate agents hope ...


The inverted yield curve is doing something weird to mortgage rates  CNBC

It is a rare scenario where long-term interest rates suddenly fall below short-term interest rates.


Opinion Ginnie Mae and the politics of prepayments  National Mortgage News

Since 2008, the U.S. mortgage industry has been buffeted by a great many changes and a lot of volatility and risk in the financial markets. The chief source of risk ...


Mortgage rates today, August 20, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose yesterday, as we predicted. But they increased only by the smallest measurable amount. And the rise should have been much ...


Mortgage rates today, August 27, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates held steady yesterday, in line with our prediction. Some lenders were very slightly lower and others higher by an equally insignificant ...


U.S Mortgage Rates Slide Back to 3-Year Lows  Yahoo Finance

Mortgage rates hit reverse in the week ending 5th September. 30-year fixed rates fell by 9 basis points to 3.49% reversing a 3 basis point rise to 3.58% in the ...


Drop in mortgage rates is a boon for homebuyers and refinancing  Herald & Review

Worries about the world economy and the shaky stock market have given homebuyers a windfall.


Borrowers Should Think About All Options When Refinancing UPMs. - Refinancing Your Underlying Permanent Mortgage Like a Banker: What You Should Know  Cooperator

An underlying permanent mortgage (UPM) is a commercial loan, not a residential loan like your co-op mortgage. As such, it carries additional and different terms ...


Near-Record Low Rates Trigger Refi Wave Among US Homeowners  pymnts.com

U.S. mortgage refinancing is on the uptick as fears about fluctuating global markets cause a drop in interest rates, the Financial Times reported Sunday (Aug.


U.S. Mortgage-Refinancing Boom Wanes Even as 30-Year Rate Slides to 3-Year Low  TheStreet.com

Swings in global interest rates, partly a result of the U.S. trade tensions in China, appear to be holding back some would-be borrowers, a new report from the ...


Lenders See Demand and Profits Expanding, While Credit Tightens  Mortgage News Daily

Mortgage lenders reflected a lot of optimism about their business prospects in the third quarter Mortgage Lender Sentiment Survey conducted by Fannie Mae.


Consider a Mortgage Refinance, Even If You Bought Recently  NerdWallet

Refinancing a mortgage might be a good idea, even for homeowners who bought a home in 2018. Mortgage rates have fallen so far that millions of homeowners ...


Millennials drive mortgage refinance boom, and lenders are scrambling  CNBC

Mortgage interest rates have been falling since May, especially sharply this month, so borrowers, especially millennials, are rushing to refinance. Refinance ...


With mortgage rates this low, is late-2019 a good time to buy a house? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage interest rates have been dropping lately. So have home prices. There are real estate deals waiting to be claimed. So that begs the question: Is the rest ...


Mortgage Rates Mixed Versus Friday, Depending on Lender  Mortgage News Daily

Mortgage rates are sort of all over the place at the moment, and almost never where you'd expect. Those who haven't been following the bond market too closely ...


Refinance mortgage - How to refinance a home loan  Savings.com.au

Refinancing home loan is the process of switching from your current home loan to a new one. Learn more with our refinancing guide.


5 major changes the Trump administration wants to make to housing finance  MarketWatch

Creating competitors to Fannie Mae and Freddie Mac, and loosening mortgage regulations are among the proposed reform.


How to tell if refinancing your mortgage will save you money  CNBC

Mortgages rates hit a three-year low on Friday, August 2, when the average rate on a 30-year fixed mortgage hit 3.70%, the lowest they've been since November ...


US Mortgage Rates Rise as Geopolitical Risk Abates  FX Empire

Mortgage rates climbed last week as the trade war and Brexit jitters eased. It's all in the hands of the FED this week.


Good time to refinance your mortgage?  Fox Business

The 30-year fixed mortgage rate recently reached its lowest levels since September 2017.


'Now Is The Time To Refinance': Low Mortgage Rates Cause Surge In Refinancing  Forbes

Last week's massive dip in mortgage rates apparently pushed homeowners into action. According to new data from the Mortgage Bankers Association, ...


The 10 Best Mortgage Lenders in America (2019)  Wealthy Gorilla

If you're in the market for your first home or you're looking to refinance your existing one, then knowing which are the best mortgage lenders to use would be ...


Mortgage rates haven’t been this low since 2016 — here’s how to decide whether to refinance your home loan  MarketWatch

More people are pursuing refinances as mortgage rates have dropped.


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


If You Ever Want To Retire, Here's The Best Way To Refinance Your Mortgage  Forbes

The usual reasons to refinance are to reduce the monthly payment or to raise cash. The third option, which is under-appreciated, is to shorten the period of ...


As mortgage rates plunge, should you refinance?  Fox Business

Nearly 6 million people can now cut their mortgage payments with refinancing.


Refinance mortgage rates: 10 steps to get the best deal | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

How do you get the best refinance mortgage rates? Plan ahead and have a strategy. Here's how to do it in today's low-rate mortgage marketplace.


Key questions to ask before you refinance your mortgage  Bankrate.com

While refinancing your home mortgage might sound like a good idea in theory, especially with interest rates falling, it may not always be possible for every ...


Before You Refinance Your Home, Calculate the Potential Costs  Lifehacker

Mortgage rates are the lowest they've been since 2016. Does that mean it's time to refinance your home? Well... maybe.


Refinance mortgage rate slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a home loan, see what that means for you.


Will mortgage rates drop even more? Should I wait to refinance? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage rates are near historic lows, but maybe you've heard that nagging voice, the one which says “wait just a little longer. Rates can drop lower.


Refinance mortgage rates mixed for Wednesday  Bankrate.com

Refinance rates were mixed today. See what that means for your chances of getting a better mortgage rate.


Nearly 6 million people can now cut their mortgage payments with refinancing  Bankrate.com

The recent drop in rates means that 5.9 million people can potentially save money by refinancing their existing home loans and securing a lower rate -- two ...


How to Refinance a Mortgage and When to Do It  TheStreet.com

Your mortgage can cost a lot of money over time. Here's how it might just cost a little less....BAC.


How to refinance your home  CNBC

With mortgage rates falling, borrowers are primed to save hundreds per month by refinancing. Here are six steps to follow to successfully refinance your home.


Mortgage rates are falling—here's how to tell if you could save money by refinancing  CNBC

As mortgage interest rates drop, homeowners could save hundreds per month by refinancing. However, it's not a smart financial decision for everyone.


Refinance mortgage rate falls for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a home loan, see what that means for you.


Refinance mortgage rate moves higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate trended upward. See what that means for your refi.


Refinance mortgage rate eases for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you're shopping for a mortgage, see how your payments might be affected.


Oakridge Public Schools reduces debt burden for taxpayers  WZZM13.com

MUSKEGON, Mich. — Taxpayers in the Oakridge Public Schools District will be saving a couple more dollars. The district announced Friday that the debt burden ...


Mortgage refinance boom goes bust as rates shift higher  CNBC

A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand.


As rates drop, mortgage refinancing surges but home purchase loans remain tepid  USA TODAY

Homeowners scramble to refinance mortgages as rates hit the lowest level in 17 months. But mortgage applications for home purchase rose just 0.5%.


These are the best (and worst) reasons to refinance your mortgage  Bankrate.com

Whether you've owned your home for a short time or you've had your mortgage a bit longer, a mortgage refinance involves careful consideration. After all, you'll ...


Should I refinance for 0.25% lower rate? Or wait for 1% or more? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

How much do refinance rates need to drop before I refinance? Is the rule 1%, or should I refinance for just a 0.25% lower rate?


How to get the best deal on your home mortgage refinance  cleveland.com

Mortgage rates may be rising but there's still room to refinance your home loan. You might have heard much said about the constant rise of interest rates over the ...


Refinance rates fall for Wednesday  Bankrate.com

Multiple benchmark refinance rates fell today. See what that means for your refi.


Refinance rates advance for Monday  Bankrate.com

Several benchmark refinance rates cruised higher today. If you're shopping for a mortgage, see what that means for you.


Refinance mortgage rate moves up for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate cruised higher. See what that means for your refinance.


Mortgage Rates Drop Again -- Homeowners Can Save Hundreds Per Month By Refinancing  Forbes

Mortgage rates are continuing their downward spiral. According to Freddie Mac, the average rate on a 30-year fixed-rate loan has dropped to just 3.82%—down ...


Should you refinance your mortgage now?  Clark.com - Clark Howard

Money expert Clark Howard has a simple rule for when to refinance your mortgage. See if it applies to you and how you can hit a "grand slam" if you do it.


Refinance mortgage rate increases for Monday  Bankrate.com

Refinance rates were mixed, but one key rate climbed higher. See what that means for you if you're in the market for a mortgage.


How to avoid problems when one spouse handles all the money  NBC News

This is the first in a two-part series that will explore how to navigate a couple's finances when one person handles everything. Up first: how to handle the pitfalls, ...


Now Is a Good Time to Refinance  Kiplinger's Personal Finance

Mortgage rates have dropped to levels not seen since 2016, and homeowners are rushing to refinance. You can benefit even if you don't cut your rate by a full ...


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


Refinance rates retreat for Wednesday  Bankrate.com

Several key refinance rates trended down today. See what that means for you if you're in the market for a mortgage.


Nearly 6 Million People Can Now Cut Their Mortgage Payments With Refinancing |  RisMedia.com

With interest on the low side, there is a potential to refinance and save.


Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes  Credible News

Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


Refinance rates slide for Monday  Bankrate.com

Multiple closely watched refinance rates fell today. See what that means for your chances of scoring a killer refi rate.


Refinance mortgage rate retreats for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a mortgage, see how your payments might be affected.


Refinance rates ease for Wednesday  Bankrate.com

Several closely watched refinance rates dropped today. If you're shopping for a mortgage, see how your payments might be affected.


Millennials move to refinance as rates approach three-year lows |  The Mortgage Reports

With rates at three-year lows, Millennials are finally hopping on the refinance bandwagon. Refis accounted for 14 percent of all Millennial loans in June.


6 Strategies To Make Your First Mortgage Refinance A Success  CBN News

Mortgage rates may be rising but there's still room to refinance your home loan. Use these six ways to get the best deal on your first mortgage refinance.


Mortgage Fraud Risk Down 11.4 Percent  National Mortgage Professional Magazine

During the second quarter, the CoreLogic Mortgage Application Fraud Risk Index recorded an 11.4 percent year-over-year decline, the first decrease since the ...


Weekly mortgage rates fall further, but only refinance applications rise  CNBC

Mortgage application volume was 40% higher than a year ago, largely because lower rates are strengthening the refinance market.


When Should You Refinance a Home?  Forbes

A home is the biggest purchase most people ever make. When buying a home, we are all impacted enormously by a factor largely outside our control: interest ...


Mortgage refinance applications rise as trade issues cause rate drop  National Mortgage News

The economic tensions between the U.S. and China drove interest rates down last week, leading to a surge in refinance applications, according to the Mortgage ...


Should a Widow Pay Off Her Mortgage?  Kiplinger's Personal Finance

For some people who lose their spouse, it could make perfect sense. For others, not so much. Here's how to judge what could be a prudent approach in this ...


Your money: Buying or refinancing? The mortgage rate frenzy is back  Reuters

Mortgage rates are nearing historic lows again in the United States, making it an ideal time to buy a home - or refinance.


More than 8 million borrowers can now benefit from refinancing their mortgage  HousingWire

Last week, Freddie Mac's fixed mortgage rate fell to its lowest level in three years, bumping the pool of refinance candidates up significantly. At the end of June, ...


Nearly 10 million borrowers could lower their mortgage rate by 0.75% by refinancing right now  HousingWire

Just three days ago, data from Black Knight showed that 8.2 million borrowers could save big on their mortgages thanks to the recent decline in mortgage ...


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